BA AMEX (Free)
£0 forever, 1 Avios/£1, 5k bonus. Companion Voucher at £15k but Economy only, 1-year validity. Stepping stone to Premium Plus.
AMEX Business Gold
60k bonus (to May 2026), free Y1, no restrictions. Pure earning engine with 20 free employee supplementary cards.
AMEX Business Platinum
120k bonus (to May 2026), £650 tax-deductible, no eligibility restrictions. Same lounges and hotel status as personal Platinum minus Eurostar and dining.
Virgin Reward Plus
£160 Mastercard, 1.5 VP/£1, 0% Eurozone FX fees. Voucher worth up to 150k VP with status. Best non-Avios UK card.
AMEX Platinum
£650 fee buys Hilton Gold, unlimited lounges, £400 dining/travel credits. Same earn rate as Gold. Worth it if you travel frequently.
Barclaycard Avios Plus
£20/month Mastercard, 1.5 Avios/£1, upgrade voucher at £10k. Essential Amex gap-filler. Cancellable anytime via app.